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In-Laws Declined Mortgage on New Build (HTB-Equity Loan)
Hi guys, The in-laws have just been to see Lovell Homes about a house for 140k, they were using HTB - Equity Loan and paying their deposit. The broker went through everything, got them to speak with the solicitors and have them do their parts and phoned said it was "pretty much a done deal" Well yesterday he dropped a…
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Advice about house contract
Hi everyone, My girlfriend and I looked round a property in London at the beginning of January, and made an offer, which was accepted. In the offer email, I said that the offer was conditional on a satisfactory survey coming back, and the vendor taking care of a small damp issue in one of the bedrooms. The vendor said this…
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Short hold tenancy problem
I have recently let a one bed flat in my property and used a national well known agent to find suitable tenant/s. This they did and it was agreed that the tenancy would be 6month shorthold which could be rolled over monthly at end. However, I have found out from the tenant that they signed for 12 months and on checking…
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Building Control and Land Registry - London House
I have a Victorian mid terrace house in SE London and I am preparing to sell my house and downsize for my retirement years. In 2001/2 I had a loft extension done to accommodate an en-suite bedroom. We are in a conservation zone and my neighbour had failed to get local authority permission for a full dorma and en-suite…
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Horrible wait is driving me insane!
We had our offer accepted on a flat (one of the 2 converted flats in a victorian terraced house) back in early January, solicitor was instructed 1 week after that, survey and valuation were done the same week. The survey came back with quite a lot of issues with the flat, which was more than what we bargained for in the…
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Bedrooms that pre-date building regs affecting sale
Hi all, I've been on here a couple of times seeking advice on more or less the same matter - I'd be grateful for some specific advice if possible. Basically: 1. Bought house with converted loft (done in 60s) as 3/4 bed maisonette. Indemnity insurance to cover. 2. Now been told I can't sell it as that by buyers solicitors…
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Mortgage Advisor provides competitive deal
I spoke to a mortgage advisor today and he provided me a list of five year fixed mortgages. The best one was Post Office, which I am already aware of. It says: 'Post Office Mortgages. (Direct Only)'. Does Direct only mean not through an intermediary? I have found the mortgage he was referring to on the post office website.…
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legality of guarantor
My son gave me an application as guaranto rofrm last June to sign. As i am not in work i told him it was unlikely i would be accepted, however i gave the required details (which was my name and address, as the work part was empty). I heard no more so i assumed i had been unsuccessful. My son told his landlord he was going…
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What options are available for me?
Hi all I am hoping for some advice and options that may be available to me that I am unaware of, My situation is as follows: I purchased a home 3 years ago with my then boyfriend. He left me shortly afterwards and I pay the mortgage alone, this is not an issue per say. I have since met a wonderful man and we are planning…
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Buying a Fixer-Upper
Wasn't sure whether to post this here, or in the 'Home' section of the forum, but thought any developers or homeowners might be able to help? I'm renovating an unmodernised high-rise flat and making it open-plan. As an FTB, I'm trying to figure out exactly what I need to do upon completion - and in what order - before I…
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making an offer/solicitors
Hi there Do solicitors normally charge for just making an offer, [FONT="]say if they didn't accept the offer and I didn't take it any further would I be charged for that? (I'm in Scotland by the way) [/FONT]
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Rental panic
Hi all Can you please advise? My partner & I recently were offered a house through a builder/local nht collaboration which is buy to rent. We will rent for 5 years then buy - we chose this option as years ago I was in a lot of debt, and had a trust deed. I completed it a year ago but my credit rating will suffer for a…
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House buying for married sole applicant (shared ownership)
Hi all, New to this so please be gentle! My husband and I are currently paying over the odds for a rental which feels like we're throwing our hard earned money down the drain. As far as we were aware we could not get a mortgage due to husbands poor credit (this was 'earned' prior to meeting/marriage) however I now…
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Right to Buy
Myself and my mum who is 73 have just recieved the price for right to buy we have been given 51% discount and would like a mortgage for £24,000. The trouble is this is a Levit Cartwright construction and not a lot of companies will lend this type of house and also not a lot will lend right to buy either. The other problem…
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Insurance and subsidence
My sister in law is selling her house in south London. A year ago she made a claim on her insurance to fix cracking on the exterior back wall of the house. The insurers identified the cause of the cracks to be a pear tree in the back garden which was subsequently cut down. The work took two mornings, and involved griding…
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Got screwed as the guarantor - Has anyone successfully sued?
Hello Has anyone here, or knows of anyone, successfully managed to sue tenants for rental owed that you had to pay out as the guarantor? I acted as a guarantor for a property rental agreement. The two tenants named on the agreement ran up £2500 of rent arrears, which I as guarantor ended up paying. I've spoken to a…
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Shared Ownership
Has anyone bought a place through Shared Ownership? How is it?
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Serving notices on LL
I have been helping a friends daughter with a deposit issue on a rental property in Bristol. She basically needs to take the LL to court to return her un-protected deposit. The LL has supplied a PO box as an address and despite requests to supply his home adress the agent who let, but don't manage the property say they…
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Solicitor with no charges
I have received a quote from a solicitor, which states: "There will be no charge for a first mortgage if we act for the Building Society/Lender". I believe this means that there will be no additional fee if the solicitor is on the banks panel. However, no other solicitor has said this. I wanted to make sure it means there…
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Right to buy
Hi, I've recently inherited a property but my Dad lives in it (will states he can live there till his death rent free!) which I am fine with. I am a council secured tenant for the last 9 years. Could I raise money against the inherited property (worth £100K) to buy my council home (Right to buy price £75K) under the Right…
